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I love working with REALTORS® on marketing. Together we can reach more people and have a bigger impact than we can alone. Plus, I love hearing marketing ideas from other people! Here are some ways I think we can work together on marketing in the future.Continue reading “Let’s Get Together and Market”→

ARMs (adjustable-rate mortgages) are rising in popularity, and millennials are frequently the customers scooping them up. Today’s ARMs are not the same risky adjustable-rate loans of the past, and they’re a smart option for some buyers. Here’s why ARMs are on the rise.Continue reading “The Appeal of ARMs (Adjustable-Rate Mortgages)”→

Homeownership comes with a lot of excitement but also with a lot of responsibility. After looking carefully at your budget and deciding how much you could afford to pay for a home, you found the perfect place to call your own. Now that you own a home, you have to take care of it. Gone are the days of landlord maintenance. Budgeting for home maintenance expenses can feel overwhelming and confusing. But it doesn’t have to be! I’ve got your simple guide on how to create a realistic budget for home maintenance as well as some great ideas to get you started on an emergency fund for those unexpected repairs.Continue reading “A Simple Guide to Budgeting for Home Maintenance Expenses”→

You’ve found the perfect home! The price is right, the style is right, and you love the location. But there’s one catch—that perfect neighborhood and home is in a community with a Homeowners’ Association (HOA). Before you put in an offer on your dream home, it’s important to know what living in an HOA is like. If you’re a little unsure about what you’re getting into with an HOA and whether or not it’s right for you, here’s what you need to know.

Here at Guild Mortgage, it’s our top priority to help as many people as possible buy homes of their own. Here are all the details you need to know about our exciting new down payment program (buy a home with just 1 percent down)!

All loans are subject to underwriter final approval, loan limit restrictions based upon subject property state, terms and conditions may apply. Subject to change without notice. Always consult an Accountant or Tax Advisor for full eligibility requirements on tax deductions. Eligibility for this non-repayable grant is subject to the Program guidelines. Changes to loan parameters including but not limited to loan amount, owner-occupancy status, loan to value, and other factors may render Borrower ineligible for the Program. The grant may only be used for the borrower’s cash investment in accordance with the Program guidelines.

If you’re getting a loan soon, you should know about the importance of home appraisals. They can make or break the entire process. Here’s everything you need to know about home appraisals when you’re getting a loan.Continue reading “All About Home Appraisals”→

Guild Mortgage is dedicated to serving the communities where we do business, and a big part of that is our charitable giving. We support many local and national charities through monetary donations and through company-supported volunteer hours. We also support our communities by offering a scholarship through our Guild Giving Foundation. Here’s everything you need to know about who qualifies and how to apply by April 15, 2017.Continue reading “Announcing the Guild Giving Scholarship”→

There are so many things to think about when you’re buying a home, and homeowners insurance might be something that’s seen as an afterthought. But it’s important to take the time to get the right policy. Here’s everything you need to know about getting homeowners insurance to protect your new home.

Blog Disclosure

Carol Flanagan is a licensed mortgage agent in Oregon for Guild Mortgage Company; Licensed by Department of Consumer & Business Services Division of Finance and Corporate Securities, MLO-111078. The postings on this blog don't necessarily represent the positions, strategies or opinions of Guild Mortgage Company or its affiliates. This information is not guaranteed to be accurate and shall not be construed as a guarantee of loan approval. All loans are subject to underwriter approval, and are subject to change without notice.

The information provided herein has been prepared by a third party company and has been distributed for education purposes only. The positions, strategies or opinions of the author do not necessarily represent the positions, strategies or opinions of Guild Mortgage Company or its affiliates. Each loan is subject to underwriter final approval. All information, loan programs, interest rates, terms and conditions are subject to change without notice. Always consult an accountant or tax advisor for full eligibility requirements on tax deduction.

Testimonials

Karen

My experience with Guild was great! I found Carol Flanagan, Tonya Hecker, and the entire team at Guild Mortgage to be attentive, diligent, and thorough throughout the loan process. I highly recommend them.

Zoe

Carol and her team are amazing. Highly professional, friendly, dedicated and communicative through every part of the financing process. Everything was explained clearly and no one ever made me feel foolish for asking questions and all requests for information were fulfilled within hours. The documentation process was easy and smooth. They went the extra mile to keep our closing on time, even with several last-minute hiccups on the seller's end. Everything went just as we were told to expect. In such a fast paced housing market, having Carol's team on our side was a huge asset, especially for first-time home buyers like us.

Lila

I am so happy I had Carol and her team on my side throughout the whole mortgage process. Being a REALTOR® myself, I knew that Carol was reputable, however, as a first-time homebuyer I can honestly say that I couldn't imagine going through this process with anyone but Carol and her team of highly professional, detail oriented, informative, and compassionate people. From beginning to end I was educated, counseled, protected, and represented to the highest of standards in the real estate industry. These guys are top notch!! I would highly recommend them to my clients, family, and friends!

All facts of testimonials are true and shared with borrowers’ permission.

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Equal Housing Lender. I am authorized to conduct business in Oregon and Washington State. All loans subject to underwriter approval. Terms and conditions may apply. Subject to change without notice. The information above is for informational purposes only and does not represent the opinions of Guild Mortgage Company. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act.